SM-909 - Manage account Accepted

SM-1025 - Show basic balances overview Accepted

SM-1714 - Show rebranded balances overview Done

As a customer, I want to see the overview of my balances so I am aware of the status of the account.

• When customers access the balances overview, they get an overview of the main account, sub-accounts, and other products.
• At this moment, do it the same way as it is in wireframes

Show balances overview

https://www.figma.com/file/0LEEFZgkUnPkPTkY9PMREt/SaFi---WF-%26-UI-(Shared)?node-id=2047%3A30064

SM-5345 - QA System Test: UI | MOBILE | Accounts – User Has Viewed Basic balances overview Done

SM-1026 - Show details of main account Accepted

🗨️ Show details of main account

https://www.figma.com/file/0LEEFZgkUnPkPTkY9PMREt/SaFi---WF-%26-UI-(Shared)?node-id=2047%3A30034

• Bank Code is hardcoded
• Account Number get from BE
• Interest Hardcoded
• Account Name get from BE
• Wireframes are used

SM-5346 - QA System Test: UI | MOBILE | Accounts – User Has Viewed Details of main account Done

SM-1024 - Show current balance Accepted

Role: Customer

Objective: Show the customer his available balance.

Reason: The customer wants to quickly see how much money he has on the account that he can use.

Functional requirements:

• By the current balance, is it mean the available balance of the main account.

UI requirements: It is possible to enter a detailed overview of balances from the current balance amount.

• When customer access the main dashboard, he can see his current balance.

SM-5347 - QA System Test: UI | MOBILE | Accounts – User Has Viewed Current Balance Done

SM-589 - Activate main account Accepted

As a system, I want to activate main account, so other functionalities are enabled.

• Outgoing transactions (and other functionalities) are now enabled.
• Subscription fee-charging is initiated.

Further details:

Link to the Confluence

Covered in Cash-in

SM-3734 - Switch account details to MVP UI Done

NO USER STORY

As a user, I want to see the details of my account, so I can share it with my friends

NO ACCEPTANCE CRITERIA

• Things are displayed according to the designs.
• Current interest rate for the main account is shown.

Covered in SM-1024, SM-1025,SM-1026

SM-930 - Earn Interests Accepted

SM-1015 - Show earned interest this month Accepted

Role: Customer

Objective: Show customers their accrued (but not yet paid) interest for their pockets

Reason: To show customers they are earning money even when they are not immediately visible on their balance.

Functional requirements:

• The customer can see the total accrued interest for all their pockets

• This must be updated on daily basis.

UI requirements:

• We need to show the currently accrued value and inform them that the full value will be added by the end of the month.

• Customer can see earned (accrued) interest at any given moment.
• On the first day of the month, it is zero.

SM-5344 - QA System Test: UI | MOBILE | Accounts – User Has Viewed Earned Interest This Month Done

SM-1012 - Calculate interests on main account Done

We have to calculate interest for the main account.

• Transactions crediting main account with accumulated interest is generated by the end of the month.
• It is possible to see in the database what is currently accrued interest for each main account.

SM-5438 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Main Account For 1 Month Done

SM-1013 - Calculate interest on unlocked pocket Done

Role: System

Objective: Periodically calculate and credit interest for the unlocked sub account.

Reason: The customers needs to get monthly interest on their account

Functional requirements:

• Interest accrual is calculated:

  • on daily basis

  • from the account balance (already accrued interest is not included)

  • by the end of the day.

• Interest payout is done on monthly basis.

• Interest rate for the unlocked sub account can be different from interest rate for main account and for locked sub account.

• Interest rate is stored in the database and will be changed over time.

• Transactions crediting unlocked sub account with accumulated interest is generated by the end of the month.
• It is possible to see in the database what is currently accrued interest for each unlocked sub account.

SM-5352 - QA System Test: UI | MOBILE | Accounts – User Has Calculated The Projected Monthly Interest Earned For Unlocked Pocket Done

SM-5436 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Unlocked Pocket For 1 Month Done

SM-1014 - Calculate interest on locked pocket Done

Role: System

Objective: Periodically calculate and credit interest for the locked sub account.

Reason: The customers needs to get monthly interest on their account

Functional requirements:

• Interest accrual is calculated:

  • on daily basis

  • from the account balance (already accrued interest is not included)

  • by the end of the day.

• Interest payout is done by the end of the tenure.

• Interest rate for the unlocked sub account can be different from interest rate for main account and for locked sub account.

• Interest rate is stored in the database and will be changed over time.

Alternative scenarios:

• Locked sub account is changed to the unlocked sub account - this will be covered by separate user story.

• Transactions crediting locked sub account with accumulated interest is generated by the end of the tenure.
• It is possible to see in the database what is currently accrued interest for each locked sub account.

SM-5348 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 1 Month Done

SM-5349 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 1 Year Done

SM-5350 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 2 Year Done

SM-1018 - Tax payed interest Done

Role: System

Objective: Calculate and deduct taxes when interests are being paid out to the account.

Reason: Due to regulation, all interest gains must be taxed.

Functional requirements:

• This applies to all types of accounts (main, unlocked, locked).

• All types of accounts have the same tax rate.

• All taxes are sent to a special internal account.

• The tax rate is 20 %.

• When a customer is paid the interest, there is an automatically created transaction deducting it from the same account where it was received.

Covered in pockets

SM-1017 - Predict lost interest on locked pocket Done

Role: System

Objective: Calculate for customer predicted lost interest rate when he tries to withdraw from the locked sub account.

Reason: Show user what he will lose if he tries to withdraw from the locked sub account, which converts the pocket to the unlocked.

Functional requirements:

• Predict lost interest lost by converting locked pocket to the unlocked one.

  • value lost = currently accrued interest - acrrued interest if it was unlocked pocket from the start

• When the customer tries to close the locked pocket, he will see the amount he will lose as specified above

Wireframes: Design of the modal, the wording will change SaFi - UI - MVP (Shared)

Covered in close pocket

SM-1016 - Project expected profit for locked pocket Done

Role: Customer

Objective: Show customers what will be the expected profit (whole interest earned) by the end of the cycle.

Reason: To show customer how much they will earn and to motivate them to keep the pocket locked.

Functional requirements:

• The customer can total expected interest gained over time.

• Customer can see total expected earned interest at any moment in locked pocket details.

Design: SaFi - UI - MVP (Shared)

SM-5351 - QA System Test: UI | MOBILE | Accounts – User Has Calculated The Projected Interest Earned For Locked Pocket Done

SM-2255 - Change interest rates Done

System should support changing interest rates across the system for all types of accounts.

Role: System

Objective: When interest rates are globally changed, apply it to all accounts properly.

Reason: To keep up with market changes.

Functional requirements:

• Interest rates can be changed for main accounts and both unlocked and locked pockets (all tenures).

• The system should allow to change it anytime, however, the change will be applied immediately

• The change will be applied to:

  • all new accounts

  • all existing accounts

• Interests gained before the change is applied are not retrospectively changed.

When the interest rates are changed, then:

• they are visible in the mobile app immediately.
• interests are calculated according to new interest rates

TBD

Need to change interest rate on back office?

SM-1776 - Show total earned interest Done

Role: Customer

Objective: Show customers total earned interest (both accrued and paid out) for all pockets.

Reason: To show customers how much they have earned on their pockets over time.

Functional requirements:

• The customer can see the total accrued+paid out interest for all their pockets

• This must be updated on daily basis.

UI requirements:

• We need to show the currently accrued value and inform them that the full value will be added by the end of the month.

• Customer can see the total interest over time.
• When the pocket is removed, the total earned interest is subsidized by the amount which was earned by the pocket.

Design: SaFi - UI - MVP (Shared)

SM-5348 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 1 Month Done

SM-5349 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 1 Year Done

SM-5350 - QA System Test: UI | MOBILE | Accounts – User Has Earned Interest On Locked Pocket For 2 Year Done

SM-3732 - Make limit for Interest rates in Saving Pockets Done

We need to limit Interest rates for Savings pockets. After the limit is reached, an additional balance is earned interest with a lower interest rate.

Variable Interest rates based on limit

Role: System

Objective: Lower Interest rate on each Pocket when the pocket`s limit has been reached.

Reason: To limit the earnings of the customer for proper cash-flow.

Functional requirements:

• There will be one limit for all pockets (e.g. 500 000 PHP per Pocket).

• All money above the limit will have lower interest same (same for all pockets, e.g. 0.1% )

NO ACCEPTANCE CRITERIA

• Money under the said limit have standard interest rate.
• Money above the said limit has decreased interest rate.

SM-6030 - UI | MOBILE | Accounts – User Has Calculated The Projected The Lower Monthly Interest Earned For Unlocked Pocket With Max Balance Limit Done

SM-3834 - Main Dashboard To Do

SM-3131 - Show main dashboard - first version Accepted

NO USER STORY

Show main dashboard

NO ACCEPTANCE CRITERIA

• Show main dashboard

Covered in SM-5346

SM-4134 - Slacker - Fraud prevention To Do

NO STORY TICKET

DESCOPED

NO USER STORY

DESCOPED

NO ACCEPTANCE CRITERIA

DESCOPED

SM-4380 - Accounts Microservices security - authorization, authentication To Do

NO STORY TICKET

OUT OF SCOPE FOR SYSTEM TEST

NO USER STORY

OUT OF SCOPE FOR SYSTEM TEST

NO ACCEPTANCE CRITERIA

OUT OF SCOPE FOR SYSTEM TEST

SM-4430 - Support Bank statements To Do

NO STORY TICKET

This is covered by SM-256 - EPFS Bank Statement Done

NO USER STORY

This is covered by SM-256 - EPFS Bank Statement Done

NO ACCEPTANCE CRITERIA

This is covered by SM-256 - EPFS Bank Statement Done

SM-911 - Manage unlocked pocket Accepted

SM-1777 - Show pockets overview Accepted

As a customer, I want to see overview of my currently existing pockets and get an idea how much money I have earned already.

🗨️ Show pockets overview

• When I go to the Pocket overview, I can see all my existing pockets.
• If there are less than 8 pockets, I can go to creating a new pocket flow.

SM-4832 - QA System Test: UI | MOBILE | Accounts – User Has Viewed Pockets Overview Details Done

SM-2201 - Edit unlocked pocket Accepted

As a customer, I would like to change Pocket name and/or Pocket Targets

🗨️ Edit unlocked pocket

• The customer can edit:
• Name of the pocket
• Image
• Target Date
• Target Amount
• All these changes are applied and visible right after confirming the edit.

SM-5335 - QA System Test: UI | MOBILE | Accounts – User Has Edited unlocked pocket Done

SM-1173 - Lock unlocked pocket Accepted

As a customer, I would like to lock unlocked pocket so I will gain higher interest rate.

Full User Story:

🗨️ Lock unlocked pocket

Technical description:

Saving pocket - interest computation

• The previously unlocked pocket is closed.
• A new locked pocket with the whole amount of previously unlocked pockets is created.

SM-5336 - QA System Test: UI | MOBILE | Accounts – User Has Lock unlocked pocket Done

SM-1766 - Withdraw from unlocked pocket Accepted

The customer can select, which part of the balance will get credited to the main account and which to the new unlocked pocket.

🗨️ Withdraw from unlocked pocket

• When the customer withdraws from the unlocked pocket, then the selected amount is credited to the main account

SM-5337 - QA System Test: UI | MOBILE | Accounts – User Has Withdrawn from unlocked pocket Done

SM-2254 - Upload a pocket image Accepted

As a Customer, I would like to upload a custom image to my pocket so it is personalized.

🗨️ Upload a pocket image

• It is possible to upload an image during pocket creation.
• It is possible to change the pocket image when in the Settings screen.
• The selected image is then visible in the pocket details.

SM-5338 - QA System Test: UI | MOBILE | Accounts – User Has Uploaded a pocket image Done

SM-1171 - Show unlocked pocket details Accepted

As a customer, I would like to see details of the unlocked pocket so I can verify current progress and access relevant features.

🗨️ Show unlocked pocket details

• All unlocked pocket details are visible.
• It is possible to access described functionalities.

SM-5339 - QA System Test: UI | MOBILE | Accounts – User Has Viewed unlocked pocket details Done

SM-913 - Close unlocked pocket Accepted

SM-1265 - Close unlocked pocket Accepted

As a customer, I want to close the unlocked pocket so I can use my money for different needs.

🗨️ Close unlocked pocket

• When the customer closes the unlocked pocket, then all the balances (both amount on the account + accrued interest) are credited to the main account.
• The unlocked pocket is closed.

SM-4869 - QA System Test: UI | MOBILE | Accounts – User Has Closed Unlocked Pocket Done

SM-914 - Open locked pocket Accepted

SM-553 - Open locked pocket Accepted

I as a customer want to open a locked pocket.

• When there are more than 8 active sub-accounts, a new sub-account cannot be created.
• After successful creation, all data are stored properly in the database and in TM Vault.
• Outgoing and incoming transactions to the locked sub-account are not allowed.

SM-4872 - QA System Test: UI | MOBILE | Accounts – User Has Open Locked Pocket Done

SM-916 - Manage locked pocket Accepted

SM-1150 - Change tenure on locked pocket Accepted

NO USER STORY

NO ACCEPTANCE CRITERIA

SM-5340 - QA System Test: UI | MOBILE | Accounts – User Has Changed tenure on locked pocket Done

SM-1149 - Edit locked pocket Done

As a customer, I would like to edit properties of the locked pocket so it is better aligned to my current saving strategy.

🗨️ Edit locked pocket

• The customer can edit:
• Name of the pocket
• Image
• Target Amount
• Autorenewal - Yes or No
• Tenure
• only change to a longer tenure is allowed.
• All these changes are applied and visible right after confirming the edit.

SM-5341 - QA System Test: UI | MOBILE | Accounts – User Has Edited locked pocket Done

SM-1807 - Show locked pocket details Done

SM-2200 - Show locked pocket details - v1 Accepted

Reason: The customer want to see detailed information about his pocket and potentially perform additional actions

Functional requirements:

• Customer can see on the page:

  • Pocket Name

  • Pocket Image

  • Current balance

  • Target balance

    • Expected profit

  • Activity - overview of transactions

• Customer can access:

  • Funding pocket

  • Closing pocket

  • Settings

• All unlocked pocket details are visible.
• It is possible to access described functionalities.

SM-4886 - QA System Test: UI | MOBILE | Accounts – User Has Viewed locked pocket details Done

SM-1884 - Unlock locked pocket Done

As a customer, I would like to unlock locked pocket so I can access the money immediately.

Full User Story:

🗨️ Unlock locked pocket

Technical description:

Saving pocket - interest computation

• The previously locked pocket is closed.
• A new unlocked pocket with the correct amount (principal amount of previously locked pocket + interest as if it was unlocked pocket) is created.

SM-5342 - QA System Test: UI | MOBILE | Accounts – User Has Unlock locked pocket Done

SM-1153 - Withdraw from locked pocket Done

As a customer, I want to withdraw money from a locked pocket so I can access a portion of my finances immediately.

🗨️ Withdraw from locked pocket

• When the customer withdraws from the locked pocket, then:
• The selected amount is credited to the main account
• locked pocket is changed to unlocked pocket along with recalculation of interests

SM-5343 - QA System Test: UI | MOBILE | Accounts – User Has Withdrawn from locked pocket Done

SM-919 - Open unlocked pocket Accepted

SM-1146 - FE: Open unlocked pocket Accepted

Reason: The customer wants to manage his money and get a better interest rate.

Functional requirements:

• Customer is allowed to have up to 8 active sub-accounts of both unlocked and locked type

  • If this would be his 9th account, he gets an error message, and a sub-account is not created.

• At first, the customer is shown a few screens how the sub-accounts works.

• During opening the unlocked sub-account, the customer has the option to fill in these details:

  • Name

  • Picture (Optional)

  • Type - Locked/Unlocked

  • Target amount (optional)

  • Target date (optional)

• After that, a sub-account is created and the user is redirected to the next screen.

• Subaccount doesn’t have a visible account number.

• In the future, there will be saving strategies (round-ups + recurring payments), but they are not in the scope yet.

• In the future (after MVP), there will be option for templates:

  • During the first step of the creation of a sub-account (name+ picture) customer will be able to choose between several templates for quick setup.

    • When the template is chosen, all fields are automatically prefilled and the customer can edit them.

    • e.g. Emergency funds, Holidays, …

• When there are more than 8 active sub-accounts, a new sub-account cannot be created.
• If the customer chose a template, all other information is prefilled.
• After successful creation, all data are stored properly in the database and in TM Vault.

SM-4814 - QA System Test: UI | MOBILE | Accounts – User Has Open Unlocked Pocket Done

SM-1145 - Show educational text and video content Accepted

Objective: Show educational content to the customer during the creation of the all pockets.

Reason: The customer needs to understand the advantages of the pockets.

• When I start opening the unlocked account, I can see the educational content.
• I can skip educational content and go straight to the standard flow.

Covered in open pocket

SM-993 - Close locked pocket Accepted

SM-2244 - Close locked pocket when tenure is finished Done

When the tenure on the locked pocket is finished, the locked pocket should be either renewed or unlocked.

🗨️ Close locked pocket when tenure is finished

• When the tenure (duration of pocket) is reached:
• If the autorenewal is set on, then a new cycle begins → locked pocket balance is updated (interest is added to the locked balance) and the pocked is locked with same tenure as the previously.
• If the autorenewal is set off, whole account is unlocked (including interest)

Covered in calculate interest on lock pocket for 1 month, 1 year, 2 years

SM-1154 - Close locked pocket manually Accepted

As a customer, I want to close locked pocket so I can access the money immediately.

🗨️ Close locked pocket manually

• When the customer closes the unlocked pocket, then all the balances (principal amount of locked pocket + interest as if it was unlocked pocket) are credited to the main account.
• The locked pocket is closed.

SM-4910 - QA System Test: UI | MOBILE | Accounts – User Has Manually Closed Locked Pocket Done